Oh. Sure the rich and beautiful have it easier, but what does that have to do with you? You say you want to pursue your own ideas? Great - Then do that. What's the worst that could happen anyway? A bit of debt perhaps? A slightly less flashy car? Fewer money come time to retirement? It's not like you and your family would die from starvation if you fail - Unlike most of the rest of the world. You're already uniquely privileged.